Table 32. Midwestern region by income before taxes: Average annual expenditures and characteristics, Consumer Expenditure Survey, 1997-98 Complete reporting of income Item Total Less $5,000 $10,000 $15,000 $20,000 $30,000 $40,000 $50,000 $70,000 complete than to to to to to to to and reporting $5,000 $9,999 $14,999 $19,999 $29,999 $39,999 $49,999 $69,999 over __________________________________________________________________________________________________ Number of consumer units (in thousands)...... 19,467 776 1,797 2,117 1,681 2,912 2,412 2,016 2,796 2,960 Income before taxes a/ ...................... $40,068 $1,596 $7,799 $12,358 $17,465 $24,449 $34,672 $44,561 $58,746 $101,467 Income after taxes a/ ....................... 36,763 1,575 7,682 12,024 16,923 23,299 32,283 40,609 53,528 91,050 Age of the reference person.................. 48.3 38.6 54.7 57.7 54.1 50.2 45.5 43.7 43.5 44.9 Average number in consumer unit: Persons..................................... 2.4 1.7 1.5 1.8 2.2 2.2 2.4 2.8 3.1 3.2 Children under 18........................... .7 .4 .3 .4 .5 .5 .7 .9 1.0 1.0 Persons 65 and over......................... .3 .2 .5 .6 .7 .5 .3 .2 .1 .1 Earners..................................... 1.4 .9 .5 .7 .8 1.1 1.4 1.7 2.0 2.1 Vehicles.................................... 2.2 1.2 .9 1.3 1.7 2.0 2.3 2.6 3.0 3.3 Percent distribution: Male........................................ 61 47 35 42 52 60 68 68 73 77 Female...................................... 39 53 65 58 48 40 32 32 27 23 Homeowner................................... 68 32 38 54 58 62 68 75 86 93 With mortgage.............................. 40 12 8 12 18 26 42 52 68 76 Without mortgage........................... 28 20 31 43 40 36 26 24 18 17 Renter...................................... 32 68 62 46 42 38 32 25 14 7 Black....................................... 8 13 16 11 10 10 6 8 5 4 White and other............................. 92 87 84 89 90 90 94 92 95 96 Elementary (1-8)............................ 5 5 16 11 7 6 3 2 2 1 High school (9-12).......................... 42 35 54 55 58 50 40 39 31 24 College..................................... 53 60 29 34 35 44 56 59 67 76 Never attended and other.................... b/ b/ 1 b/ c/ c/ b/ c/ c/ b/ At least one vehicle owned or leased........ 89 64 61 77 90 92 96 97 99 99 Average annual expenditures.................. $35,660 $20,050 $14,033 $18,926 $23,477 $27,573 $33,119 $38,280 $47,303 $68,671 Food........................................ 4,744 2,972 2,439 2,811 3,583 3,995 4,497 5,271 6,093 7,825 Food at home............................. 2,751 1,639 1,504 1,905 2,251 2,587 2,746 2,892 3,379 4,089 Cereals and bakery products............ 441 269 256 321 339 434 446 457 501 666 Cereals and cereal products.......... 152 91 102 120 127 132 169 150 157 237 Bakery products...................... 289 178 155 201 212 303 277 307 344 429 Meats, poultry, fish, and eggs......... 659 352 388 491 631 611 670 621 816 934 Beef................................. 203 124 112 133 190 200 198 192 308 243 Pork................................. 151 92 100 131 165 128 163 139 152 217 Other meats.......................... 102 53 65 83 85 82 101 116 114 157 Poultry.............................. 115 51 59 86 111 104 117 106 144 168 Fish and seafood..................... 63 d/ 13 31 35 54 67 63 41 71 119 Eggs................................. 26 20 20 23 25 29 27 26 27 29 Dairy products......................... 310 159 156 216 238 290 295 336 398 472 Fresh milk and cream................. 128 77 72 106 100 122 130 148 149 175 Other dairy products................. 182 82 84 111 138 168 165 188 249 298 Fruits and vegetables.................. 440 238 245 305 345 444 439 416 513 692 Fresh fruits......................... 147 69 77 116 105 159 143 132 165 235 Fresh vegetables..................... 127 66 71 78 102 119 134 104 149 213 Processed fruits..................... 94 60 60 61 75 86 93 103 108 146 Processed vegetables................. 73 43 37 49 63 80 70 77 91 99 Other food at home..................... 901 621 459 573 698 809 896 1,062 1,151 1,325 Sugar and other sweets............... 117 81 70 78 103 113 119 116 155 155 Fats and oils........................ 74 50 50 53 71 70 79 73 84 102 Miscellaneous foods.................. 408 294 197 233 313 380 395 490 522 611 Nonalcoholic beverages............... 244 167 128 185 168 212 249 316 311 338 Food prepared by consumer unit on out-of-town trips................... 57 29 14 24 42 34 54 67 78 119 Food away from home...................... 1,993 1,333 935 905 1,332 1,408 1,751 2,379 2,714 3,736 Alcoholic beverages......................... 322 199 177 136 210 305 214 417 444 550 Housing..................................... 10,843 6,422 5,142 6,462 7,807 8,469 10,063 11,446 13,699 20,097 Shelter.................................. 5,785 3,587 2,662 3,399 4,157 4,460 5,557 6,165 7,331 10,659 Owned dwellings........................ 3,889 1,809 816 1,500 1,917 2,299 3,448 4,232 5,798 9,014 Mortgage interest and charges........ 2,047 549 174 402 582 923 1,801 2,359 3,473 5,334 Property taxes....................... 1,039 541 308 559 688 780 841 1,101 1,401 2,187 Maintenance, repairs, insurance,other expenses............................ 803 720 334 539 647 595 806 773 925 1,492 Rented dwellings....................... 1,493 1,482 1,707 1,726 2,040 1,919 1,893 1,520 1,009 585 Other lodging.......................... 403 296 139 172 200 242 216 413 525 1,060 Utilities, fuels, and public services.... 2,408 1,377 1,619 1,857 2,114 2,238 2,423 2,593 2,860 3,317 Natural gas............................ 422 235 295 334 380 411 404 454 501 566 Electricity............................ 825 480 583 671 741 775 841 912 971 1,062 Fuel oil and other fuels............... 98 d/ 38 81 78 98 111 100 109 91 120 Telephone services..................... 785 504 519 588 659 703 805 799 929 1,147 Water and other public services........ 278 120 141 185 235 239 273 318 368 422 Household operations..................... 503 262 119 244 224 269 302 493 750 1,308 Personal services...................... 289 d/ 112 50 116 106 111 162 332 506 753 Other household expenses............... 214 149 69 129 119 158 141 161 244 556 Housekeeping supplies.................... 511 230 255 282 324 414 523 551 706 865 Laundry and cleaning supplies.......... 126 71 70 92 82 102 127 131 160 207 Other household products............... 225 123 114 122 151 158 220 248 323 389 Postage and stationery................. 160 36 71 68 91 154 176 172 223 269 Household furnishings and equipment...... 1,636 966 487 680 989 1,087 1,257 1,642 2,052 3,946 Household textiles..................... 105 144 34 90 44 60 65 97 157 214 Furniture.............................. 352 194 84 171 286 279 255 419 469 718 Floor coverings........................ 186 d/ 61 d/ 87 d/ 56 d/ 20 d/ 59 103 d/ 38 107 800 Major appliances....................... 148 116 34 92 129 95 131 165 218 266 Small appliances, miscellaneous housewares............................ 90 24 32 36 70 88 86 81 130 165 Miscellaneous household equipment...... 755 427 215 235 439 506 617 843 972 1,784 Apparel and services....................... 1,718 1,034 822 681 873 1,430 1,836 1,747 2,286 3,230 Men and boys............................. 421 257 147 146 166 314 424 486 560 886 Men, 16 and over....................... 335 196 132 105 101 230 355 375 463 719 Boys, 2 to 15.......................... 86 61 16 41 65 84 69 111 97 167 Women and girls.......................... 693 337 290 240 317 593 818 726 879 1,339 Women, 16 and over..................... 576 260 258 208 245 501 698 558 738 1,110 Girls, 2 to 15......................... 117 77 32 32 72 92 120 168 141 229 Children under 2......................... 62 d/ 62 d/ 34 d/ 30 d/ 26 67 56 71 75 102 Footwear................................. 305 d/ 239 241 155 166 303 322 224 431 453 Other apparel products and services...... 237 140 110 110 197 154 215 241 342 450 Transportation............................. 6,535 3,229 1,922 3,317 4,277 4,998 6,571 7,323 8,986 12,419 Vehicle purchases (net outlay)........... 2,864 d/ 1,400 838 1,454 1,925 2,226 3,067 3,194 3,701 5,466 Cars and trucks, new................... 1,207 d/ 261 d/ 225 d/ 669 d/ 486 808 1,248 1,006 1,658 2,914 Cars and trucks, used.................. 1,614 1,139 603 776 1,415 1,308 1,808 2,027 2,043 2,522 Other vehicles......................... 43 c/ d/ 10 d/ 8 d/ 24 d/ 111 d/ 10 d/ 162 c/ d/ 30 Gasoline and motor oil................... 1,087 540 418 590 772 903 1,179 1,344 1,504 1,708 Other vehicle expenses................... 2,247 1,052 567 1,132 1,380 1,691 2,115 2,492 3,395 4,272 Vehicle finance charges................ 326 133 36 96 180 199 365 458 512 630 Maintenance and repairs................ 688 423 233 461 433 559 641 688 975 1,233 Vehicle insurance...................... 713 385 217 417 543 606 750 835 1,009 1,124 Vehicle rental, leases, licenses, other charges......................... 519 110 82 158 224 327 359 511 898 1,285 Public transportation.................... 337 237 99 141 199 178 210 292 387 972 Health care................................ 2,038 961 1,174 1,981 2,304 1,995 1,914 2,070 2,175 2,726 Health insurance......................... 960 410 619 969 1,146 1,050 936 896 971 1,167 Medical services......................... 557 293 185 425 481 369 470 708 754 956 Drugs.................................... 389 192 298 476 511 433 396 316 340 406 Medical supplies......................... 132 65 73 110 167 142 113 151 110 197 Entertainment.............................. 1,926 953 457 1,052 944 1,546 1,572 2,089 2,700 4,053 Fees and admissions...................... 463 248 73 160 191 321 326 485 599 1,233 Television, radios, sound equipment...... 539 290 221 355 363 469 609 681 674 826 Pets, toys, and playground equipment..... 382 251 105 184 180 343 315 364 536 790 Other entertainment supplies, equipment,and services.................. 541 164 58 353 210 413 321 559 892 1,203 Personal care products and services........ 396 237 222 184 251 362 373 454 507 667 Reading.................................... 178 106 75 106 122 157 186 163 237 315 Education.................................. 555 1,123 440 167 349 244 446 460 716 1,172 Tobacco products and smoking supplies...... 317 239 239 277 302 354 417 311 321 308 Miscellaneous.............................. 919 858 386 562 648 921 888 976 1,145 1,436 Cash contributions......................... 1,191 951 271 633 804 857 941 1,185 1,505 2,673 Personal insurance and pensions............ 3,976 765 268 557 1,002 1,940 3,201 4,368 6,487 11,199 Life and other personal insurance........ 391 411 83 153 236 369 301 375 530 809 Pensions and Social Security............. 3,585 354 185 404 767 1,571 2,901 3,993 5,958 10,390 Sources of income and personal taxes: a/ Money income before taxes................. 40,068 1,596 7,799 12,358 17,465 24,449 34,672 44,561 58,746 101,467 Wages and salaries....................... 31,853 2,755 1,834 4,303 8,078 15,143 26,795 36,386 52,077 89,290 Self-employment income................... 1,924 -2,720 d/ 159 199 283 1,132 1,428 2,412 2,383 6,800 Social Security, private and government retirement................... 4,720 764 4,357 6,721 7,925 6,677 5,257 3,954 2,669 2,823 Interest, dividends, rental income, other property income................... 697 63 59 143 269 546 585 1,057 923 1,671 Unemployment and workers'' compensation, veterans'' benefits..................... 156 d/ 61 32 107 107 151 206 202 225 187 Public assistance, supplemental security, income, food stamps..................... 308 437 1,037 552 426 345 106 279 d/ 30 d/ 3 Regular contributions for support........ 217 d/ 54 76 116 188 333 203 198 328 240 Other income............................. 192 182 244 218 190 122 92 74 112 453 Personal taxes............................. 3,306 21 117 335 543 1,150 2,389 3,952 5,218 10,418 Federal income taxes..................... 2,381 -54 26 159 285 717 1,700 2,852 3,779 7,781 State and local income taxes............. 779 -2 19 71 149 304 574 951 1,273 2,358 Other taxes.............................. 146 d/ 77 72 104 109 129 115 149 167 278 Income after taxes.......................... 36,763 1,575 7,682 12,024 16,923 23,299 32,283 40,609 53,528 91,050 Net change in total assets and liabilities.. -1,423 -263 248 -1,023 913 135 -5,116 -3,016 -2,169 -1,091 Net change in total assets............... 4,238 2,887 256 -419 1,848 3,818 1,346 2,477 6,955 13,101 Net change in total liabilities.......... 5,661 3,150 8 605 935 3,683 6,462 5,493 9,123 14,192 Other financial information: Other money receipts..................... 598 2,869 42 177 136 351 745 365 604 1,182 Mortgage principal paid on owned property................................ -1,101 -296 -120 -216 -306 -543 -810 -1,108 -1,789 -3,126 Estimated market value of owned home..... 70,368 30,837 22,458 40,814 48,515 52,660 57,586 72,988 92,861 148,183 Estimated monthly rental value of owned home.............................. 523 218 186 308 362 386 449 555 700 1,058 Gifts of goods and services................. 1,019 727 375 546 605 707 941 748 1,429 2,211 Food..................................... 68 d/ 61 24 27 27 45 50 39 114 159 Housing.................................. 274 118 125 138 175 215 156 232 424 589 Housekeeping supplies.................. 47 d/ 7 31 25 21 46 34 51 57 92 Household textiles..................... 14 d/ 1 d/ 3 d/ 7 d/ 3 8 d/ 8 d/ 15 28 32 Appliances and miscellaneous housewares............................ 32 d/ 8 d/ 4 d/ 17 d/ 23 42 16 25 48 63 Major appliances..................... 7 d/ 7 d/ 2 d/ 3 d/ 3 b/ d/ 5 d/ 6 14 18 Small appliances and miscellaneous housewares.......................... 25 d/ 1 d/ 2 d/ 15 d/ 21 42 11 19 33 45 Miscellaneous household equipment...... 70 20 35 30 40 63 44 83 85 149 Other housing.......................... 111 82 52 59 88 56 54 58 206 252 Apparel and services..................... 225 98 110 167 125 168 291 159 257 439 Males, 2 and over...................... 67 d/ 21 31 28 36 58 89 61 57 150 Females, 2 and over.................... 79 d/ 4 25 34 44 42 126 66 101 166 Children under 2....................... 26 d/ 18 d/ 10 d/ 15 d/ 18 24 28 d/ 17 32 49 Other apparel products and services.... 53 d/ 55 d/ 44 90 27 45 48 14 66 73 Jewelry and watches.................. 24 d/ 20 d/ 28 21 12 11 27 8 51 30 All other apparel products and services............................ 28 d/ 35 d/ 16 d/ 69 d/ 14 d/ 33 d/ 21 d/ 6 d/ 14 43 Transportation........................... 45 20 6 14 47 75 27 36 51 85 Health care.............................. 38 d/ 11 d/ 3 d/ 88 d/ 30 d/ 9 61 d/ 40 50 36 Entertainment............................ 97 50 24 45 76 59 153 86 121 182 Toys, games, hobbies, and tricycles.... 42 30 14 16 27 37 43 36 53 87 Other entertainment.................... 55 20 d/ 10 29 49 22 110 50 68 94 Education................................ 146 d/ 253 d/ 22 d/ 18 d/ 56 53 d/ 41 d/ 70 258 459 All other gifts.......................... 126 115 62 49 71 82 164 86 154 262 _____________________________________________ a/ Components of income and taxes are derived from "complete income reporters" only; see glossary. b/ Value less than 0.5. c/ No data reported. d/ Data are likely to have large sampling errors.